Exclusive offers for Mill City members

Current Promotions

Celebrating all you’ve accomplished with exclusive promotions!

Smiling Family Playing a Board Game

Whether you're upgrading your checking account or your home, we have exclusive promotions designed to help you achieve your financial goals.

Home Equity Loans & HELOCs

Dream it, plan it, do it - with the power of a home equity loan or line of credit.

  • Pay zero in closing costs
  • Enjoy competitive rates
  • Easily apply online

Up to $150 with New Checking

Earn up to $150 when you open & use a new checking account!

  • Get $50 at account opening
  • Get $50 when you set up direct deposit totaling $500 or more
  • Get $50 when you make 6 debit card transactions 

PRO TIP - Use promo code BONUS when opening your checking account online. 

Low-Rate Auto Loan

Get the vehicle you want and the payment you deserve with a low-rate auto loan!

  • Rates as low as 5.24% APR
  • Flexible loan terms
  • No payments for 90 days

$750 off Closing Costs

Feel confident in your home buying journey, so you can get the best option for you & your family.

  • Enjoy down payments as low as 3%
  • Competitive rates & no hidden fees
  • Attend a FREE Home Buying Webinar or complete GreenPath's Learning Lab+ Home Buying Course & receive up to $750 off closing costs

CD Specials

Give your savings a boost with a CD Special! Plus – earn .20% rate boost by bringing new money to Mill City.

9 Month CD Special

  • Existing Funds 4.00% APY (3.94% rate)
  • New Money 4.20% APY (4.14% rate)
  • $5,000 Minimum

15 Month CD Special

  • Existing Funds 3.40% APY (3.36% rate)
  • New Money 3.61% APY (3.56% rate)
  • $5,000 Minimum

Student Loan Refinance

Take control of your student loan repayment! Refinance & consolidate into one convenient & manageable payment.

  • Earn $300 when you refinance your student loans
  • NOW – September 30, 2025
  • Plus – enjoy no payments or interest for 3 months

Fixed Home Equity
Maximum term available is 240 months. Payment per $10,000 (excluding tax and insurance): 80% is $118.24 at 7.34% APR for 120 months, $81.39 at 7.59% APR for 240 months, and 90% Loan-To-Value is approximately $87.69 at 8.59% APR for 240 months. Home Equity Line of Credit (HELOC): The Lockable HELOC has both variable and fixed rate advance options. Minimum loan amount to convert HELOC to fixed is $5,000. Rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin, applicant's credit qualifications, and collateral. Rate floor is 4% and will not exceed 18%. Lockable rate is based on available 20-year Fixed Home Equity 80% Loan-To-Value rate. Payment is the greater of 1% of outstanding balance or $50. Member is responsible for all closing costs, including appraisal, if less than $25,000 advanced at consummation. Closing costs including appraisal generally range from $300-$3,000. Rate based on applicant’s credit qualifications, collateral, and loan term. Minimum loan amount is $25,000. Member responsible for cost of appraisal regardless of completion of loan. Appraisal fee may range from $102-$1,000 depending upon location. Homeowners insurance is required. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.

New Checking Account
Up to $150 Cash Back: Earn $50 at account opening and an additional $50 for one or more new ACH direct deposit(s) greater than or equal to $500 in the 60 calendar days from account opening (excludes digital wallet and income earned through self-employment or working an IRS-classified “Gig Economy” job). Earn $50 for making 6 total debit card transactions (excludes ATM usage and digital wallet transactions). Cash Back deposited to qualifying checking within 60 days of qualifying events. Offer valid only on new checking accounts (account owners/co-owners do not currently have, nor have had, a checking account at CCCU in the last 12 months). Accounts must be in good standing at time of qualification. Limited to one offer per household. Cash Back is considered a bonus and is reportable to IRS. APY = Annual Percentage Yield. APY from 0%-0.18% available dependent upon checking account options selected. Rates effective as of 07/01/2025, and subject to change. No minimum balance required to open a checking account. Minimum balance from $0-$10,000 to earn stated APY. Other conditions or restrictions may apply. Call for complete details. Offer subject to change. 

Auto Loans
*APR = Annual Percentage Rate. Actual rate based on applicant's credit qualifications, collateral and loan terms. Rate effective as of 12/04/2024. Rates and terms subject to change. Interest will accrue for the first 90 days without payment. Loan purpose restrictions may apply. Contact CCCU representative for more information. 

$750 off Closing Costs
Equal Housing Opportunity. Mortgages not available in all states. Closing cost credit is applied as a lender credit towards eligible closing costs. Closing cost offer available on applications submitted through 12/31/2025 and subject to change. Loans greater than $100,000 may be eligible for up to a $750 lender credit, all others may receive up to a $500 lender credit. If applicant does not attend a CCCU Home Buying Webinar or GreenPath Learning Lab+ Home Buying Course, must complete all 5 lessons in Home Buying course, lender credit will be $250 less than quoted amount. Offer not available for home equity or commercial loans. Other restrictions may apply. Contact us for more information.

CD Specials
APY = Annual Percentage Yield. Rates effective as of 3/25/2025 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.20% APY and 15-month CD for 3.61% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 4.00% APY, 15-month CD for 3.40% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings. Ask a CCCU representative for complete details.

Student Loan Refinance
By refinancing federal student loans, you may lose certain borrower benefits from your original loans, including interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Must be a member of credit union, US Citizen or Permanent Resident and have completed a degree at an approved school to be eligible for student refinance loans. Student loans are made by CU Student Choice. CCCU is not the creditor and is compensated by CU Student Choice for referral of loan consumers. $300 cash deposit will be deposited into your savings account within 90 business days from the funding date of your loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences. Offer subject to change. Contact CCCU for more details.

3 Months No Payments, No Interest Offer
To qualify, the loan application must be started between 1/3/2024 and 10/3/2025 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.

$300 Cash Offer
To qualify, the loan application must be started between 04/01/2024 and 9/30/2025. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $300. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.